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Life insurance: a multi-purpose financial planning tool

Life insurance is designed primarily to protect your family’s financial security after you die. But some types of life insurance can also help you build assets to meet needs during your lifetime. So it’s a smart addition to any financial plan — because it can serve different functions within your overall investment strategy.

Security for your family should something happen to you

Life insurance can help:

  • Pay debts and taxes after your death
  • Allow your family to maintain its standard of living
  • Support your dependents’ goals and dreams
  • Provide immediate access to cash1

Certain types of life insurance also may serve as:

  • A supplement for your retirement income
  • A funding vehicle for a college education, starting a business, an emergency, or buying a second home

A must-have for your financial plan

No matter what kind of life insurance you choose, there’s no substitute for the peace of mind it can provide. Life insurance is one of the ways you can protect your family’s financial security should something happen to you. Talk to your financial advisor/licensed insurance agent about your long-term needs, and he or she can help you determine:

  • Which type of insurance is right for you
  • How much protection you and your family need
  • How to make the most of your premium dollars

How much life insurance do you need?

One very simple way to get a rough estimate may be to base the amount of insurance on your current, after-tax income (since life insurance is generally paid out tax free). Multiply that by the number of years your beneficiaries will need the income. Remember to make an allowance for inflation. 

But this is only a very rough estimate, as everyone's situation is different. You can get a more tailored estimate by using our life insurance calculator.

Try our life insurance calculator 

But there is no substitute for a careful evaluation and review of your life insurance needs with your financial advisor.  If you aren't yet working with a financial professional, we can have someone contact you.

Request a free financial analysis

The next step

To explore the benefits of our products, select an option from the blue bar at the top of this page.

Term Life Insurance

AXA Equitable's Term Series

Simple protection for a limited time. If you only need life insurance for a certain number of years, or if cost is a prime consideration, Term may be right for you.

BENEFITS

Fixed premiums
Protection
Temporary

Whole Life Insurance

Interest Sensitive Whole Life

permanent policy with a Guaranteed Minimum Cash Value that increases each year and equals the Face Amount at age 100. The Policy Account Value may also be enhanced by additional interest.

BENEFITS

Fixed premiums
Accumulation
Guarantees

Universal Life Insurance

BrightLife Protect

A flexible-premium, low cost universal life insurance policy offering both the opportunity for lifetime insurance protection and the potential accumulation of cash value through allocation to a Select Account and/or a Fixed Account.

BENEFITS

Permanent protection
Affordable
Flexible premiums

Indexed Universal Life Insurance

BrightLife Grow

A flexible-premium universal life insurance policy that provides for potential cash value growth through an interest crediting linked to major market indexes, so you can participate in the upside potential of the equities markets with built-in guaranteed downside protection.

BENEFITS

Designed for accumulation
Downside protection
Flexible premiums

Indexed Universal Life Insurance

Athena Indexed Universal Life℠

flexible-premium universal life insurance that offers interest crediting linked to major market indices, so you can participate in the upside potential of the equities markets with built-in guaranteed downside protection.

BENEFITS

Designed for value
Flexible premiums
Upside potential

Variable Universal Life Insurance

Incentive Life Optimizer II

Life insurance protection with the potential for cash value accumulation through customized, professionally-managed investment portfolios as well as a wide array of investment options of your choice. 

BENEFITS

Potential accumulation
Investment options
Flexible premiums

Variable Universal Life Insurance

Incentive Life Legacy II

Designed for individuals looking for affordable permanent life insurance who also want to put their premium dollars to work via market-sensitive investment options. Offers growth potential (up to a cap) as well as downside protection.

BENEFITS

Affordable
Investment options
Flexible premiums

Survivorship Life Insurance

Survivorship Incentive Life Legacy℠

A flexible premium policy that provides protection and the ability to invest in the market through its variable investment options.

BENEFITS

Flexible premiums
Estate planning
Investment options

Survivorship Life Insurance

Athena Survivorship Universal Life IV

A cost-effective way to insure two people, with a flexible-premium, second-to-die universal life insurance policy that provides death benefit protection and allows you to take full advantage of the unlimited estate tax marital deduction.

BENEFITS

Estate planning
Flexible premiums
Fixed interest

AXA Equitable's Term Series

Simple protection for a limited time. If you only need life insurance for a certain number of years, or if cost is a prime consideration, Term may be right for you.

BENEFITS

Fixed premiums
Protection
Temporary

Interest Sensitive Whole Life

permanent policy with a Guaranteed Minimum Cash Value that increases each year and equals the Face Amount at age 100. The Policy Account Value may also be enhanced by additional interest.

BENEFITS

Fixed premiums
Accumulation
Guarantees

BrightLife Protect

A flexible-premium, low cost universal life insurance policy offering both the opportunity for lifetime insurance protection and the potential accumulation of cash value through allocation to a Select Account and/or a Fixed Account.

BENEFITS

Permanent protection
Affordable
Flexible premiums

BrightLife Grow

A flexible-premium universal life insurance policy that provides for potential cash value growth through an interest crediting linked to major market indexes, so you can participate in the upside potential of the equities markets with built-in guaranteed downside protection.

BENEFITS

Designed for accumulation
Downside protection
Flexible premiums

Athena Indexed Universal Life℠

flexible-premium universal life insurance that offers interest crediting linked to major market indices, so you can participate in the upside potential of the equities markets with built-in guaranteed downside protection.

BENEFITS

Designed for value
Flexible premiums
Upside potential

Incentive Life Optimizer II

Life insurance protection with the potential for cash value accumulation through customized, professionally-managed investment portfolios as well as a wide array of investment options of your choice. 

BENEFITS

Potential accumulation
Investment options
Flexible premiums

Incentive Life Legacy II

Designed for individuals looking for affordable permanent life insurance who also want to put their premium dollars to work via market-sensitive investment options. Offers growth potential (up to a cap) as well as downside protection.

BENEFITS

Affordable
Investment options
Flexible premiums

Survivorship Incentive Life Legacy℠

A flexible premium policy that provides protection and the ability to invest in the market through its variable investment options.

BENEFITS

Flexible premiums
Estate planning
Investment options

Athena Survivorship Universal Life IV

A cost-effective way to insure two people, with a flexible-premium, second-to-die universal life insurance policy that provides death benefit protection and allows you to take full advantage of the unlimited estate tax marital deduction.

BENEFITS

Estate planning
Flexible premiums
Fixed interest

Life Insurance: is not a deposit of any bank; is not FDIC insured; is not insured by any federal government agency; is not guaranteed by any bank or savings association.

1 Withdrawals from life insurance policies may be subject to fees, penalties, and income taxes depending on the specific life insurance policy and the policyholder’s tax situation. Withdrawals reduce the policy value and death benefit.

Life insurance and annuities are issued by AXA Equitable Life Insurance Company (AXA Equitable) and by various unaffiliated carriers through AXA Network, LLC and its subsidiaries. Co-distributed by AXA Distributors, LLC and AXA Advisors, LLC, members FINRASIPC.AXA Equitable, AXA Network, AXA Distributors and AXA Advisors are affiliated companies. All guarantees are based on the claims-paying ability of AXA Equitable. The guarantees do not apply to the investment portfolios. AXA Financial, Inc. and its subsidiaries do not provide tax or legal advice.

This material is provided for informational purposes only. Please consult your tax and/or legal advisors regarding your particular circumstances.

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